State financial regulators for payday and title loan complaints — every state listed with current contact information.
If a payday or title lender has charged fees that appear to violate your state's law, refused a repayment plan you are entitled to, continued collecting after a dispute, or is operating without a license, your state's financial regulator is where complaints go. This page will help you find details on who to contact and who your regulators are. Regulators also verify whether a specific lender holds a current license in your state — useful before you borrow, and essential if you are dealing with an online lender whose legitimacy you are uncertain about.
The listings below are sourced from the CFPB's regularly maintained directory of state banking regulators, last updated January 2025. Each entry includes the agency name, phone number, official website, and a direct link to file a complaint. The website URL is the most durable contact point — phone numbers and mailing addresses change more frequently than official .gov addresses. If a number listed here is no longer current, the agency's website will have updated information.
- SCAM & FRAUD ALERTS: Important note for residents of states that have banned high-cost payday lending: your state's regulator still accepts complaints about lenders who attempt to operate illegally in your state. If an online or storefront lender is offering you a loan that appears to violate your state's laws, filing a complaint with the state regulator is the right step. You can also file a federal complaint with the CFPB at https://www.consumerfinance.gov/complaint/ or reach the CFPB by phone at (855) 411-2372.
State regulators — listed alphabetically
ALABAMA
Alabama State Banking Department
Phone: (334) 242-3452
Website: www.banking.alabama.gov
File a complaint: https://banking.alabama.gov/con_affairs/file-a-complaint/
ALASKA
Alaska Division of Banking and Securities
Phone: (888) 925-2521
Website: https://www.commerce.alaska.gov/web/
File a complaint: https://www.law.alaska.gov/department/civil/consumer/cp_complaint.html
ARIZONA
Arizona Department of Financial Institutions
Phone: (800) 544-0708
Website: https://difi.az.gov/
File a complaint: https://difi.az.gov/complaint
Note: Arizona banned high-cost payday lending in 2010. Lenders offering triple-digit APR loans in Arizona are operating illegally. This regulator handles complaints about unlicensed lenders.
ARKANSAS
Arkansas Attorney General
Phone: (501) 682-2007
Website: https://arkansasag.gov/
File a complaint: https://arkansasag.gov/resources/contact-us/file-a-consumer-complaint/
Note: Arkansas's constitutional usury cap effectively prohibits high-cost payday lending. Complaints about lenders charging above the legal rate go to the Attorney General.
CALIFORNIA
California Department of Financial Protection and Innovation
Phone: (866) 275-2677
Website: https://dfpi.ca.gov/
File a complaint: https://dfpi.ca.gov/file-a-complaint/
COLORADO
Colorado Office of the Attorney General — Uniform Consumer Credit Code
Phone: (303) 866-4494
Website: https://coag.gov/
File a complaint: https://coag.gov/file-complaint/
Note: Colorado overhauled its payday lending law to require installment repayment and a rate cap. The Attorney General enforces these requirements.
CONNECTICUT
Connecticut Department of Banking
Phone: (860) 240-8299
Website: http://www.ct.gov/dob/site/default.asp
File a complaint: https://portal.ct.gov/DOB/Consumer/Consumer-Complaints/Consumer-Assistance
Note: Connecticut law renders most payday loans void and unenforceable. Complaints about lenders attempting to collect on illegal loans go to this agency.
DELAWARE
Delaware Office of the State Bank Commissioner
Phone: (302) 739-4235
Website: http://banking.delaware.gov/
File a complaint: https://banking.delaware.gov/consumer-complaints/
DISTRICT OF COLUMBIA
D.C. Department of Insurance, Securities and Banking
Phone: (202) 727-8000
Website: http://disb.dc.gov/
File a complaint: https://disb.dc.gov/page/consumer-services-division
Note: DC has effective prohibitions on high-cost payday lending. This regulator handles complaints about illegal lenders.
FLORIDA
Florida Office of Financial Regulation
Phone: (850) 410-9805
Website: https://flofr.gov/
File a complaint: https://flofr.gov/sitePages/fileacomplaint.htm
GEORGIA
Georgia Department of Banking and Finance
Phone: (770) 986-1633
Website: https://dbf.georgia.gov/
File a complaint: https://dbf.georgia.gov/consumer-resources
Note: Georgia law prohibits payday loans under $3,000 and effectively bans the standard payday loan model. This regulator handles complaints about lenders operating in violation of state law.
HAWAII
Hawaii Department of Commerce and Consumer Affairs
Phone: (808) 587-3222
Website: http://cca.hawaii.gov/
File a complaint: https://cca.hawaii.gov/consumer-complaints/
Note: Hawaii enacted a 36% APR cap effective 2022, effectively ending traditional high-cost payday lending in the state.
IDAHO
Idaho Department of Finance
Phone: (208) 332-8000
Website: http://finance.idaho.gov/
File a complaint: https://www.finance.idaho.gov/complaint-guidance/
ILLINOIS
Illinois Division of Financial Institutions
Phone: (888) 473-4853
Website: https://idfpr.illinois.gov/dfi.html
File a complaint: https://idfpr.illinois.gov/admin/dfi/dficomplaint.html
Note: Illinois enacted the Predatory Loan Prevention Act in 2021, capping all consumer loan rates at 36% APR and effectively ending high-cost payday lending in the state.
INDIANA
Indiana Department of Financial Institutions
Phone: (800) 382-4880
Website: https://www.in.gov/dfi/
File a complaint: https://www.in.gov/dfi/file-a-complaint/where-do-i-file-my-complaint/
IOWA
Iowa Division of Banking
Phone: (515) 281-4014
Website: https://www.idob.state.ia.us/
File a complaint: https://idob.iowa.gov/how-do-i-file-complaint
KANSAS
Office of the State Bank Commissioner
Phone: (785) 296-2266
Website: https://www.osbckansas.org/
File a complaint: https://www.osbckansas.org/consumers/file-a-complaint/
Note: Kansas has prohibited payday lending. This regulator handles complaints about unlicensed lenders attempting to operate in the state.
KENTUCKY
Kentucky Department of Financial Institutions
Phone: (800) 223-2579
Website: https://kfi.ky.gov/
File a complaint: https://kfi.ky.gov/newstatic_Info.aspx?static_ID=347
LOUISIANA
Louisiana Office of Financial Institutions
Phone: (225) 925-4660
Website: http://www.ofi.state.la.us/
File a complaint: https://ofi.la.gov/complaints/
MAINE
Maine Office of Consumer Credit Regulation
Phone: (207) 624-8527
Website: https://www.maine.gov/pfr/consumercredit/index.shtml
File a complaint: https://www.maine.gov/pfr/consumercredit/complaint.htm
MARYLAND
Maryland Commissioner of Financial Regulation
Phone: (410) 230-6100
Website: http://www.dllr.state.md.us/finance/
File a complaint: http://www.dllr.state.md.us/finance/consumers/comphow.shtml
Note: Maryland's usury laws effectively prohibit high-cost payday lending. This regulator handles complaints about lenders charging above the legal rate.
MASSACHUSETTS
Massachusetts Division of Banks
Phone: (617) 956-1500
Website: https://www.mass.gov/orgs/division-of-banks
File a complaint: https://www.mass.gov/consumer-complaints
Note: Massachusetts law effectively prohibits high-cost payday lending. Complaints about illegal lenders go to this agency.
MICHIGAN
Michigan Department of Insurance and Financial Services
Phone: (877) 999-6442
Website: https://www.michigan.gov/difs
File a complaint: https://www.michigan.gov/difs/consumers/complaint
MINNESOTA
Minnesota Department of Commerce
Phone: (651) 296-2135
Website: https://mn.gov/commerce/
File a complaint: https://mn.gov/commerce/consumers/file-a-complaint/
Note: Minnesota enacted a 36% APR cap effective January 2024, effectively ending traditional high-cost payday lending in the state.
MISSISSIPPI
Mississippi Department of Banking and Consumer Finance
Phone: (601) 321-6901
Website: https://dbcf.ms.gov/
File a complaint: https://dbcf.ms.gov/complaint-form/
MISSOURI
Missouri Division of Finance
Phone: (573) 751-3242
Website: https://finance.mo.gov/
File a complaint: https://finance.mo.gov/consumers/consumer_complaint.php
MONTANA
Division of Banking and Financial Institutions
Phone: (406) 248-2742
Website: https://banking.mt.gov/
File a complaint: https://banking.mt.gov/Consumer_Info/Complaints
Note: Montana voters approved a 36% APR cap in 2010, effectively ending high-cost payday lending in the state.
NEBRASKA
Nebraska Department of Banking and Finance
Phone: (402) 471-2171
Website: https://ndbf.nebraska.gov/
File a complaint: https://ndbf.nebraska.gov/consumers/complaints
Note: Nebraska voters approved a 36% APR cap in 2020, effectively ending high-cost payday lending in the state.
NEVADA
Nevada Financial Institutions Division
Phone: (702) 486-4120
Website: https://fid.nv.gov/
File a complaint: https://fid.nv.gov/Resources/Resources/
NEW HAMPSHIRE
State of New Hampshire Banking Department
Phone: (603) 271-3561
Website: https://www.nh.gov/banking/
File a complaint: https://www.banking.nh.gov/consumer-assistance/consumer-complaints
Note: New Hampshire caps consumer loan rates, which effectively restricts high-cost payday lending. Complaints about lenders exceeding the legal rate go to this agency.
NEW JERSEY
New Jersey Department of Banking and Insurance
Phone: (609) 292-5360
Website: https://www.state.nj.us/dobi/index.html
File a complaint: https://www.nj.gov/dobi/consumer.htm
Note: New Jersey law effectively prohibits high-cost payday lending. Complaints about illegal lenders go to this agency.
NEW MEXICO
New Mexico Financial Institutions Division
Phone: (505) 476-4885
Website: https://www.rld.nm.gov/financial-institutions/
File a complaint: https://www.rld.nm.gov/financial-institutions/file-a-complaint/
Note: New Mexico enacted a 36% APR cap in 2023, effectively ending traditional high-cost payday lending in the state.
NEW YORK
New York State Department of Financial Services
Phone: (800) 342-3736
Website: https://www.dfs.ny.gov/
File a complaint: https://www.dfs.ny.gov/complaint
Note: New York's criminal usury law effectively prohibits high-cost payday lending. Complaints about lenders attempting to collect above the legal rate go to this agency.
NORTH CAROLINA
North Carolina Office of the Commissioner of Banks
Phone: (919) 733-3016
Website: https://www.nccob.gov/public/
File a complaint: https://nccob.nc.gov/consumer-information/consumer-inquiries-and-complaint-information
Note: North Carolina has effectively banned high-cost payday lending. Complaints about illegal lending activity go to this agency or the North Carolina Attorney General.
NORTH DAKOTA
North Dakota Department of Financial Institutions
Phone: (701) 328-9933
Website: https://www.nd.gov/dfi/
File a complaint: https://www.nd.gov/dfi/file-complaint
OHIO
Ohio Division of Financial Institutions
Phone: (614) 728-8400
Website: https://com.ohio.gov/divisions-and-programs/financial-institutions/financial-institutions
File a complaint: https://com.ohio.gov/request-and-file/file-a-complaint/
OKLAHOMA
Oklahoma Department of Consumer Credit
Phone: (405) 521-3653
Website: https://www.ok.gov/okdocc/
File a complaint: https://oklahoma.gov/okdocc/complaints.html
OREGON
Oregon Department of Consumer and Business Services — Division of Financial Regulation
Phone: (503) 378-4140
Website: https://dfr.oregon.gov/Pages/index.aspx
File a complaint: https://www4.cbs.state.or.us/exs/dfcs/complaint/index.cfm
PENNSYLVANIA
Pennsylvania Department of Banking and Securities
Phone: (717) 214-8343
Website: https://www.dobs.pa.gov/Pages/default.aspx
File a complaint: https://www.dobs.pa.gov/Consumers/Pages/File-a-Complaint.aspx
Note: Pennsylvania law effectively prohibits high-cost payday lending. Complaints about unlicensed lenders go to this agency.
RHODE ISLAND
Rhode Island Department of Business Regulation
Phone: (401) 462-9503
Website: https://dbr.ri.gov/
File a complaint: https://dbr.ri.gov/insurance-banking-securities-and-charitable-organizations/banking/consumers/file-complaint
SOUTH CAROLINA
South Carolina State Board of Financial Institutions
Phone: (803) 734-2020
Website: https://bofi.sc.gov/
File a complaint: https://banking.sc.gov/file-complaint
SOUTH DAKOTA
South Dakota Division of Banking
Phone: (605) 773-3421
Website: https://dlr.sd.gov/banking/
File a complaint: https://dlr.sd.gov/banking/consumers/filing_complaint.aspx
Note: South Dakota voters approved a 36% APR cap on all consumer loans in 2016, effectively ending high-cost payday lending in the state.
TENNESSEE
Tennessee Department of Financial Institutions
Phone: (615) 741-2236
Website: https://www.tn.gov/tdfi/
File a complaint: https://www.tn.gov/tdfi/tdfi-how-do-i/file-a-complaint.html
TEXAS
Texas Office of Consumer Credit Commissioner
Phone: (512) 936-7600
Website: https://occc.texas.gov/
File a complaint: https://occc.texas.gov/consumers/file-a-complaint
Note: Texas has no statewide APR cap on payday loans and some of the highest permitted rates in the country. The OCCC licenses lenders and takes complaints about violations of state disclosure and licensing requirements.
UTAH
Utah Department of Financial Institutions
Phone: (801) 538-8830
Website: https://dfi.utah.gov/
File a complaint: https://dfi.utah.gov/resources/helpful-links/file-a-complaint/
VERMONT
Vermont Department of Financial Regulation
Phone: (833) 337-4685
Website: https://dfr.vermont.gov/
File a complaint: https://dfr.vermont.gov/consumers/file-complaint
Note: Vermont law effectively prohibits high-cost payday lending. Complaints about illegal lenders go to this agency.
VIRGINIA
Virginia Bureau of Financial Institutions
Phone: (804) 371-9657
Website: https://scc.virginia.gov/pages/Bureau-of-Financial-Institutions
File a complaint: https://scc.virginia.gov/pages/File-a-Financial-Complaint
Note: Virginia overhauled its consumer lending laws in 2020, requiring installment repayment and capping rates. The Bureau enforces these requirements.
WASHINGTON
Washington Department of Financial Institutions
Phone: (360) 902-8700
Website: https://dfi.wa.gov/
File a complaint: https://dfi.wa.gov/file-complaint
WEST VIRGINIA
Division of Financial Institutions
Phone: (304) 558-2294
Website: https://dfi.wv.gov/Pages/default.aspx
File a complaint: https://dfi.wv.gov/consumers/complaints/Pages/default.aspx
Note: West Virginia law effectively prohibits high-cost payday lending. This regulator handles complaints about illegal lenders.
WISCONSIN
Wisconsin Department of Financial Institutions
Phone: (608) 261-9555
Website: https://www.dfi.wi.gov/
File a complaint: https://apps.dfi.wi.gov/apps/onlinecomplaintsystem
WYOMING
Wyoming Division of Banking
Phone: (307) 777-7797
Website: https://wyomingbankingdivision.wyo.gov/
File a complaint: https://wyomingbankingdivision.wyo.gov/how-to-file-a-complaint
If you're unsure which regulator to contact
Not every payday or title loan problem falls neatly under a single state agency. Online lenders in particular may be licensed in one state but lending in another, or claiming tribal affiliation they argue exempts them from state oversight. In those situations, two federal options are available regardless of state.
The CFPB accepts complaints about payday and title lenders at https://www.consumerfinance.gov/complaint/ and can be reached by phone at (855) 411-2372. When another agency is better positioned to act, the CFPB routes the complaint there and notifies the person who filed. The FTC accepts reports of fraud, deceptive practices, and phantom debt collection at https://reportfraud.ftc.gov/.
National Conference of State Legislatures has a list that may be helpful as well at https://www.ncsl.org/financial-services/payday-lending-state-statutes. The NCSL payday lending statutes by state is useful background on how each state's law is structured, though specific figures should be verified with your state regulator for current accuracy. Not a live database; update frequency varies.
If you need legal help and cannot afford an attorney, NHPB's free legal advice page by state covers legal aid organizations that assist income-eligible individuals with consumer finance issues at no cost.
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